自 2 0 0 2年 9月 1日起 ,新的《医疗事故处理条例》开始实施 ,医务人员的风险明显加重 ,医疗责任保险的需求加大 ,为保险公司提供了一个新的业务增长点。但是我国现行的医疗责任保险条款是在旧办法的基础上制订的 ,为了适应新的情况 ,需要对现行条款进行修订 ,如重新定义医疗事故 ,确定保险人赔偿处理的依据 ,调整赔偿限额等。同时应将医疗责任保险规定为强制性险种 ,赋予第三人直接向保险人请求赔偿的权利 ,切实保护受害人的利益 Since September 1, 2002, the new Regulations on Handling Medical Accidents have come into force. The risks of medical staff have been significantly increased. The demand for medical liability insurance has increased, providing a new business growth point for insurance companies. However, the current medical liability insurance clauses in our country are formulated on the basis of the old methods. In order to adapt to the new situation, the existing clauses need to be revised, such as redefining the medical malpractice, determining the basis of the insurer’s compensation and adjusting the compensation limit. At the same time, medical liability insurance should be stipulated as compulsory insurance, which gives the third party the right to seek compensation directly from the insurer, and effectively protects the victim’s interests